JP2010040003A - Interpersonal loan intermediary system, interpersonal loan intermediary method and computer program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a mechanism of loan equivalent to interpersonal loan while interposing a financial institution. <P>SOLUTION: An interpersonal loan intermediary system has: a condition comparison means 14 for comparing desired loan condition information to be transmitted from a borrower with at least one piece of bid loan condition information transmitted from a lender to determine whether or not the total of bid amounts presented by at least one bid loan condition information is equal to or more than a desired amount in the desired loan condition information; and a first securitized credit instruction means 15 for instructing securitization of a credit equivalent to the desired amount of the borrower when it is determined that the total of the bid amounts is equal to or more than the desired amount and interpersonal loan relation between the borrower and the lender reaches an established state by the condition comparison means 14. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to an interpersonal loan brokerage system, an interpersonal loan brokerage method, and a computer program that mediate loans between individuals.

In recent years, information on individuals who want to borrow (borrowers) is collected via communication means such as the Internet, and by disclosing it, so-called interpersonal ("PtoP") recruiting individuals (lenders) who provide funds to the borrowers Or “P2P”) loans (also referred to as “social lending”, “financial auction”, etc.) have begun to spread (see, for example, Non-Patent Documents 1 and 2).
http://sbiprosper.co.jp/Prosper_news.htm http://www.atmarkit.co.jp/news/200803/07/zopa.html

  The inter-individual financing system described above has an advantage that the risk of credit collapse is not borne by one creditor but can be distributed to a plurality of creditors because funds are often provided by a plurality of lenders. In addition, the inter-individual financing system has a strong auction-like aspect in which the lender makes a successful bid for the right to lend according to the borrower's desired financing conditions, which enables borrowers to procure funds at a lower interest rate. Since you can lend directly without going through a bank, you can enjoy higher yields. However, as in Japan, it may be difficult to achieve inter-individual financing as described above due to legal restrictions. Therefore, there is a demand for the development of a mechanism that can enjoy the benefits equivalent to the inter-individual financing as described above, regardless of whether there is a legal restriction.

  On the other hand, the inter-individual loan system described above enables a loan contract between both parties when the total bid amount of one or more lenders exceeds the borrower's desired loan amount. If the funds are less than the borrower's desired loan amount, the loan contract is not finalized. In addition, as described above, although there is an advantage that the risk burden at the time of credit loss (loss burden at the time of default) can be distributed to multiple creditors, it is desirable that the risk burden at the time of credit default that creditors bear is even lower .

  The present invention has been made in view of the above, and an object of the present invention is to provide a mechanism that can enjoy a benefit comparable to inter-individual financing regardless of whether or not there is a restriction on direct financing between individuals. Further, the present invention enables a loan even when the bid amount of the lender is lower than the desired amount of the borrower, and further reduces the risk burden of the lender (creditor) at the time of loan collapse. The issue is to provide.

In order to solve the above-mentioned problem, in the present invention according to claim 1, desired loan condition information receiving means for receiving desired loan condition information desired by a borrower, and desired loan condition information provision for providing the desired loan condition information to a lender. Means, a bid loan condition information receiving means for receiving, as bid loan condition information, a loan condition when a lender viewing the desired loan condition information provides a loan to the borrower, the desired loan condition information, and the desired loan condition Compare with at least one bid financing condition information corresponding to the information, and determine whether or not the total bid amount presented by the at least one bid financing condition information is greater than or equal to the desired amount in the desired financing condition information The condition comparison means and the condition comparison means determine that the total bid amount is greater than or equal to the desired amount and establish an inter-individual loan relationship between the borrower and the lender. A first securitized receivable instruction means for instructing securitization of the receivable in order to sell the security to the lender who has securitized and bid for the receivable corresponding to the desired amount. An inter-individual loan brokerage system is provided.
In the present invention described in claim 2, the condition comparing means further determines that the total amount of bids is less than the desired amount, and does not lead to the establishment of the inter-individual loan relationship between the borrower and the lender. When using the credit determination means for performing the credit determination of the borrower based on the determination criteria of the financial institution, and when the borrower accepts the borrowing under the loan condition according to the credit determination result by the credit determination means, Second securitized bond instruction means for instructing securitization of loan receivables of the financial institution and securities information including at least the issue amount and yield of the securities issued based on the second securitized bond instruction means are presented Securities information presenting means, and securities purchase desire information receiving means for receiving purchase request information of a securities purchase applicant who has browsed the securities information presented by the securities information presenting means. Providing interindividual loan mediation system according to claim 1, wherein the door.
In the third aspect of the present invention, the second securitized bond instructing means includes a risk degree determining means for determining a risk degree of the loan receivable to be securitized and a risk degree determined by the risk degree determining means. 3. The inter-individual loan brokerage system according to claim 2, further comprising yield determining means for grouping the loan claims and determining the yield of securities for each group.
In this invention of Claim 4, the loan conditions which a borrower desires are received and provided to a lender, and the lender when the lender who browsed the said desired loan condition information lends to the said borrower is a bid loan condition. The information is received as information, the desired loan condition information is compared with at least one bid loan condition information corresponding to the desired loan condition information, and the total bid amount presented by the at least one bid loan condition information is Determining whether or not the amount is greater than or equal to the desired amount in the desired loan condition information, and determining that the sum of the bid amounts is equal to or greater than the desired amount and determining that the inter-individual loan between the borrower and the lender is established. There is provided an inter-individual loan intermediation method characterized by securitizing a receivable corresponding to an amount of money and selling the securities to the tendered lender.
In the present invention described in claim 5, further, it is determined that the total of the bid amount presented by the at least one bid loan condition information is less than the desired amount, thereby establishing an inter-individual loan between the borrower and the lender. When the loan of the financial institution is used and the borrower performs credit judgment based on the judgment standard of the financial institution, and the borrower accepts the borrowing under the loan condition according to the credit judgment result , Securitizing the loan receivable of the financial institution, presenting securities information including at least the issued amount and yield of the issued securities, receiving purchase request information of the securities purchase applicant who viewed the presented securities information, 5. The inter-individual loan intermediation method according to claim 4, wherein the securities are sold to those who wish to purchase the securities.
In the present invention according to claim 6, the risk degree of the loan receivable is determined, the loan receivables are grouped according to the determined risk degree, and the yield of the securities is determined for each group, and the securities purchase request is determined. The intermediary loan intermediation method according to claim 5, wherein the securities are sold to a person.
According to the seventh aspect of the present invention, there is provided a computer program installed in an interpersonal loan brokerage system configured by a computer that mediates interpersonal loans between a borrower and a lender, and receives desired loan condition information desired by the borrower. A desired loan condition information receiving means, a desired loan condition information providing means for providing the desired loan condition information to a lender, and a loan condition when a lender who has viewed the desired loan condition information provides a loan to the borrower. Bid loan condition information receiving means for receiving as condition information, the desired loan condition information, and at least one bid loan condition information corresponding to the desired loan condition information, and by the at least one bid loan condition information Condition comparison means for determining whether the total amount of bids presented is greater than or equal to the desired amount in the desired loan condition information When the condition comparing means determines that the total bid amount is equal to or greater than the desired amount and it is determined that the inter-individual loan relationship between the borrower and the lender is established, the claim corresponding to the desired amount is securitized and bid. In order to sell the securities to the lender, a computer program characterized by comprising first securitized receivable instruction means for instructing securitization of the receivables is provided.
In the present invention according to claim 8, the condition comparing means further determines that the total amount of bids is less than the desired amount, and does not lead to the establishment of an inter-individual loan relationship between the borrower and the lender. When using the credit determination means for performing the credit determination of the borrower based on the determination criteria of the financial institution, and when the borrower accepts the borrowing under the loan condition according to the credit determination result by the credit determination means, Second securitized bond instruction means for instructing securitization of loan receivables of the financial institution and securities information including at least the issue amount and yield of the securities issued based on the second securitized bond instruction means are presented Securities information presenting means, and securities purchase desire information receiving means for receiving purchase request information of a securities purchase applicant who has browsed the securities information presented by the securities information presenting means. Providing claim 7, wherein the computer program characterized and.
In the present invention as set forth in claim 9, the second securitized bond instruction means includes a risk degree judging means for judging a risk degree of the loan receivable to be securitized and a risk degree judged by the risk degree judging means. 9. The computer program according to claim 8, further comprising: yield determining means for grouping the loan receivables and determining the yield of securities for each group.

  The present invention compares the desired loan condition information transmitted from the borrower with at least one bid loan condition information transmitted from the lender, and the total of the bid amounts presented by the at least one bid loan condition information is the desired A condition comparison unit that determines whether or not the amount of money is greater than the desired amount in the loan condition information, and this condition comparison unit determines that the total amount of bids is greater than or equal to the desired amount and that a loan relationship between the borrower and the lender has been established. And a first securitized receivable instruction means for instructing securitization of the receivable corresponding to the desired amount of the borrower. The borrower receives a loan according to the lender's bidding conditions via an arbitrary financial institution such as a financial institution that manages the inter-individual loan intermediation system of the present invention. On the other hand, the lender who bids purchases the securitized receivable (securities) according to the output result of the first securitized receivable instruction means. The amount and yield of the securities at this time are in accordance with the bidding conditions established between the borrower and lender. The financial institution that provides funds to the borrower and the financial product trader that securitizes the receivable and sells the securities to the lender may be the same or different.

  Thereby, interpersonal financing can be substantially realized by interposing the securitization process of receivables without directly exchanging money between the borrower and the lender.

  In addition, if it is determined by the above condition comparison means that the total bid amount is less than the borrower's desired amount and it is determined that the personal loan relationship between the borrower and the lender has not been established, It is preferable to make the loan available. In this case, a second securitized bond instruction means for instructing securitization of the loan receivable of the financial institution is provided, and the securities information of the securities issued based on the second securitized bond instruction means is desired to purchase the securities. Can be viewed by a person. As a result, even if the loan relationship between the borrower and the lender is not established, the securities that purchased the securities by securitizing the loan receivables established with the financial institution through the financial institution The purchaser plays the role of a lender indirectly. That is, according to the present invention, it is possible to realize a loan form substantially similar to an inter-individual loan even when an inter-individual loan relationship is not established while exchanging information between a borrower and a lender.

  Moreover, the securities buyer (lender) does not purchase a specific borrower's receivables but purchases a plurality of borrowers' receivables that are securitized together. In the above-mentioned conventional interpersonal loans, there are multiple lenders for one borrower, and the default of debt of the one borrower is distributed among multiple lenders, so it can be said that the risk burden at the time of credit collapse is small However, according to the present invention, since the debts of a plurality of borrowers are securitized, even if one borrower defaults, if it is repaid by another borrower, it is a lender. The loss of securities buyers takes into account not only the number of securities buyers (lenders) but also the number of borrowers, so it can be said that the risk burden at the time of loan collapse is further reduced.

  Hereinafter, embodiments of the present invention will be described in more detail with reference to the drawings. FIG. 1 is a diagram showing a schematic configuration of an interpersonal loan brokerage system 10 according to an embodiment of the present invention. The inter-individual loan brokerage system 10 according to the present embodiment is a computer including a control unit 10a such as a CPU. The inter-individual loan brokerage system 10 is connected to a borrower's terminal device (borrower terminal) 50 and a lender's terminal device (lender terminal) 60 via communication means such as the Internet.

  The storage unit of the computer constituting the inter-individual loan brokerage system 10 includes a desired loan condition information receiving unit 11, a desired loan condition information providing unit 12, a bid loan condition information receiving unit 13, a condition comparing unit 14, and a first securitization. Computer programs such as bond instruction means 15, credit judgment means 16, second securitized bond instruction means 17, securities information presentation means 18, and securities purchase wish information reception means 19 are installed. Further, a member database (member DB) 30 in which attribute information and loan information of borrowers and lenders (members) are recorded, and a claim management database (in bond management DB) 31 in which claims information is recorded are provided. The computer program can be provided by being stored in a recording medium such as a flexible disk, a hard disk, a CD-ROM, an MO (magneto-optical disk), a DVD-ROM, or can be transmitted through a communication line. .

  The desired loan condition information receiving means 11 receives the desired loan condition information desired by the borrower. The desired loan condition information includes at least a condition when the borrower receives a desired loan, that is, an amount desired for the loan, an interest rate, and a repayment period. In addition to the desired amount, interest rate, and repayment period, the reason why the borrower needs financing is included. Reasons for applying for loans include business funds, travel funds, and credit card debt repayment. The reason for requesting a loan is a major judgment for determining whether or not the lender will provide a loan. Therefore, when the borrower desires a loan, the desired loan condition information is transmitted from the borrower terminal 50 to the inter-individual loan brokerage system 10.

  The desired loan condition information providing means 12 is a means for disclosing desired loan condition information received by the desired loan condition information receiving means 11. The desired loan condition information to be disclosed includes personal information (name, age, annual income, etc.) of the borrower in addition to the information transmitted from the borrower terminal 50 described above. Personal information such as name, age, and annual income is preferably transmitted together with the desired amount of money each time a loan is desired. Since the borrower using the inter-individual loan brokerage system 10 of the present embodiment is premised on registering as a member, such personal information is collected at the time of member registration and registered in the member DB 30. Accordingly, when disclosing desired loan condition information, the desired loan condition information providing means 12 can obtain information such as the name of the borrower from the member DB 30 as long as the member ID can be specified without receiving the transmission of the personal information every time. It can be read and disclosed together with the information received by the desired loan condition information receiving means 11. However, by sending information such as name, age, annual income, etc. each time a loan is desired, it can be compared with the registered contents of the member DB 30 for more reliable identification of the borrower and obtaining the latest status of personal information. Useful. The reason why the borrower's personal information is disclosed is that it is necessary for the lender's loan judgment, but the information provided by the desired loan condition information providing means 12 can be browsed by requiring the lender also to register as a member. Limited to borrowers and lenders. Since the interpersonal loan intermediary system 10 is thus accompanied by the disclosure of personal information, it is preferable to provide information between the borrower and the lender in such a social networking service (SNS).

  The bid loan condition information receiving means 13 receives bid loan condition information, which is a loan condition when the lender lends to the borrower, transmitted from the lender terminal 60. As described above, when the desired loan condition information is disclosed by the desired loan condition information providing means 12, the lender can view the information on the lender terminal 60. When a plurality of borrowers publish the desired loan condition information, the lender selects a borrower considered to be able to lend from among them. For example, as shown in FIG. 2, Borrower A presents “desired amount: 300,000 yen, interest rate: 10%, repayment period: 2 years, usage: travel” as a desired loan condition. Suppose that B presents the desired loan conditions as “desired amount: 500,000 yen, interest rate: 12%, repayment period: 5 years, usage: leisure”. The lender (lender) A who has viewed this, for example, has a high interest rate under the condition of the follower B, but the repayment period is too long, so if it is the interest rate and repayment period of the follower A, a part of the desired amount (for example, , 150,000 yen). In this case, the renderer A transmits “loan amount: 150,000 yen, interest rate: 10%, repayment period 2 years” as tender loan condition information from the lender terminal 60 with respect to the information of the follower A. When the receiving means 13 receives this information, a bidding procedure is performed.

  The condition comparison means 14 compares each desired loan condition information with at least one bid loan condition information bid correspondingly, and the total of the bid amounts presented by the at least one bid loan condition information is calculated. Then, it is determined whether or not the amount is larger than the desired amount in the desired loan condition information. For example, in FIG. 2, the tender loan condition information of the lenders A, B, and C who bid on the desired loan condition of Borrower A “desired amount: 300,000 yen, interest rate: 10%, repayment period: 2 years, usage: travel” If the bid price is 150,000 yen, 50,000 yen, and 100,000 yen, respectively, the total bid price is 300,000 yen, so the condition comparison means 14 determines that it is greater than or equal to the desired amount of the borrower A. To do. On the other hand, the bid amount of the tender loan condition information of renderers D and E who bid on Borrower B's desired loan conditions “desired amount: 500,000 yen, interest rate: 12%, repayment period: 5 years, usage: leisure” If it is 200,000 yen and 100,000 yen, respectively, the total bid price is 300,000 yen, so the condition comparison means 14 determines that it is less than the desired amount of the follower B.

  When the condition comparing means 14 determines that the bid amount is equal to or greater than the desired amount as in the case of the above-described Borrower A and Renders A, B, and C, it means that the personal loan relationship is established between the borrower and the lender. become. In addition, since the present invention is not a mechanism for directly exchanging monetary loans between individuals, the “individual loan establishment state” here refers to a state in which a loan agreement is directly concluded between a borrower and a lender. Rather, it only means that the condition comparison means 14 has determined that the lender's bid loan conditions have satisfied the borrower's desired loan conditions, and thereafter, the individual between the borrower and the lender. It does not involve direct financing between the two.

  The first securitized receivable instruction means 15 operates when it is determined by the condition comparison means 14 that the inter-individual loan has been established, and instructs the securitization of the receivable corresponding to the borrower's desired amount. For example, in the case of the above-described Borrower A and Renders A, B, and C, the securities of 150,000 yen, 50,000 yen, and 100,000 yen are issued according to the bid amount of the A, B, and C according to the bid amount of the A The instruction to do is output.

  Here, it is a financial institution that actually lends the desired amount of 300,000 yen to the follower A. Financial institutions include banks, money lenders, etc., but if the operator of the inter-individual loan intermediary system 10 of this embodiment is such a financial institution, this operator may lend, or the inter-individual loan The mediation system 10 may notify the computer of another financial institution, and the other financial institution that has received the information may lend it to the borrower A. The timing for determining the loan to the follower A can be, for example, the time when the condition comparison unit 14 determines that the above-described personal loan relationship has been established. In this case, for example, if it is determined by the condition comparison means 14 that an inter-individual loan relationship has been established, information to that effect is sent to the borrower terminal 50 of the borrower terminal 50 of the financial institution that lends, and Thereafter, a loan contract can be concluded between the two to execute the loan. Further, the loan is issued when the first securitization receivable instruction means 15 outputs a security issuance instruction, which is later than the time when the condition comparison means 14 determines that the inter-individual loan relationship has been established. It is also possible to notify the borrower terminal 50 of the borrower terminal 50 of the borrower terminal 50 of the financial institution that performs the loan, and execute the loan with a money consumption loan contract.

  Also, the instruction to issue the securities by the first securitized credit instruction means 15 is notified to a financial product trader (hereinafter referred to as “securities issuing organization”) that issues the securities. For example, the first securitized bond instruction means 15 notifies the computer of the securities issuing institution via the communication means. Similarly, information to that effect is also notified to lender terminals 60 of renders A, B, and C, and renders A, B, and C purchase securities from securities issuers. The purchase of securities may be such that the lenders A, B, C receive the securities as paper media from the securities issuer, or electronically from the computer of the securities issuer to the lender terminals 60 of the renderers A, B, C. It may be issued. The securities issuing institution may be an institution different from the financial institution lending to the borrower described above or the same institution.

  If it is determined that the inter-individual financing relationship has been established, such as the above-described Borrower A and Renders A, B, and C, the comparison result of the condition comparison means 14 and the first securitized receivable instruction means 15 According to the output result, the borrower A can receive a loan of a desired amount, and the renderers A, B, and C can purchase securities corresponding to the desired amount of the loan. As a result, an inter-individual financing mechanism between the borrower A and the renderers A, B, and C is established in a form through a financial institution that provides a financial loan and a securities issuing organization. However, if the condition comparison means 14 does not determine that the inter-individual financing relationship is established, this mechanism is not established. Therefore, in the present embodiment, even in such a case, in order to establish a mechanism comparable to the inter-individual loan, the credit determination means 16, the second securitized bond instruction means 17, the securities information presentation means 18, the securities purchase wish information receiving means. 19 is provided.

  The credit judgment unit 16 judges the credit of the borrower when the condition comparison unit 14 determines that the total bid amount of the lender is less than the desired amount of the borrower. Specifically, if the condition comparison means 14 determines that the total amount of the lender's bid is less than the desired amount of the borrower, it means that the personal loan relationship has not been established between the borrower and the lender. . Therefore, when this state is reached, the inter-individual loan intermediary system 10 first asks the borrower terminal 50 whether or not to reduce the desired amount to the total bid amount. When the borrower accepts the reduction, the fact is transmitted to the inter-individual loan brokerage system 10. As a result, since the total amount of bids is equal to or greater than the desired amount, inter-individual financing is established, and thereafter, the first securitized receivable instruction unit 15 operates as described above. On the other hand, when the borrower does not accept the reduction, the credit judgment means 16 operates. For example, in the case of FIG. 2, the total amount of bids of renderers D and E who bid on Borrower B's desired loan conditions “desired amount: 500,000 yen, interest rate: 12%, repayment period: 5 years, usage: leisure” is 30. Since it is 10,000 yen, the condition comparison means 14 determines that the bid amount is less than the desired amount of the follower B as described above. In this case, an inquiry is made to the follower B as to whether or not the desired amount is to be reduced, and if the amount is not reduced, a credit determination is performed. The credit judgment is performed according to the judgment standard of the financial institution that performs the loan, and the borrower determines whether or not to borrow from the financial institution based on the credit judgment result. Similarly to the above, when the operator of the inter-individual loan intermediation system 10 of this embodiment is a financial institution, this financial institution may be this operator or a different financial institution.

  The second securitized receivable instruction unit 17 instructs the securitization of the loan receivable by the financial institution when accepting a borrowing under the loan conditions according to the credit determination result of the credit determination unit 15. This instruction is performed, for example, in the form of notifying the above computer of the securities issuing institution. When the securities issuing organization receives this notification, it issues the securities, but unlike the case of the first securitized receivable instruction means 15, the buyer of the securities is not determined at this point. Therefore, the securities information presenting means 18 is operated to present the securities information including at least the issue amount and the yield of the issued securities.

  A person who wants to purchase securities browses the securities information presented by the securities information presenting means 18 and transmits the purchase information about the securities he / she wishes to purchase to the inter-individual loan brokerage system 10. The securities purchase request information receiving means 19 receives this purchase request information. When the number of people who wish to purchase securities exceeds a predetermined number, the winning bid order is determined on a first-come-first-served basis. Those who wish to purchase securities may be limited to those who have registered in advance as lenders, but may also include general third parties. When limited to those who are registered as lenders, the securities information presenting means 18 publishes securities information so that it can be viewed only on the lender terminals 60 registered as members, and includes general third parties. Are set so that the securities information can be viewed from various terminal devices connected to communication means such as the Internet.

  The second securitized receivable instruction means 17 outputs a risk degree determination means 171 for determining the risk degree of the loan receivable to be securitized and outputs a loan for each risk degree when outputting an instruction to securitize the loan receivable by the financial institution. It is preferable to have a structure including yield determination means 172 that divides the bonds into groups and determines the yield for each group.

  The risk degree determination means 171 includes the attribute information (age, annual income, etc.) of the borrower who receives the loan registered in the member DB, the borrower's credit information obtained from the credit research institution, the credit amount determined by the credit determination means 16 (loan This is a means of determining the risk that the loan receivable will be overlooked in consideration of the possible amount) and interest rates. For example, annual income, credit information, credit amount, etc. are converted into points, and according to the points, as shown in Fig. 2, the risk level is divided into three groups: risk (low), risk (medium), and risk (high). Divide and record in the claim management DB 31. Then, the second securitized receivable instruction means 17 outputs an instruction to securitize the loan receivable divided into these three groups. Yield determination means 172 appropriately determines the yield of securities belonging to each group, such as a yield of 3% for risk (low), a yield of 5% for risk (medium), and a yield of 7% for risk (high). . The method of determining the yield is arbitrary, but in order to make it easier to collect prospective buyers of securities, it is desirable that the higher the risk, the higher the yield.

  By having the credit judgment means 16, the second securitized bond instruction means 17, the securities information presentation means 18, and the securities purchase request information reception means 19, the condition comparison means 14 does not determine that the inter-individual loan relationship has been established. Even in such cases, the debt received by the borrower from the financial institution can be purchased as securities by those who wish to purchase securities, including those who have registered as lenders. Can be provided. Further, since the second securitized receivable instruction means 17 employs a technique for collecting and securitizing a plurality of borrower's receivables, when a securities purchase applicant (lender) loses credit in the event that the receivable becomes credit default Risk burden (loss of debt at default = reduction in redemption price) is reduced. In other words, the risk burden at the time of the bankruptcy in the conventional inter-individual loan is 1 / N, where N is the number of lenders for one borrower. Therefore, 1 / M · N.

  Next, an inter-individual loan intermediation method using the inter-individual loan intermediation system 10 of the present embodiment will be described with reference to FIGS. The financial institution that executes the loan to the borrower, the securities issuing institution, and the operator of the inter-individual loan intermediation system 10 of the present embodiment may be all or part of them, or may be different institutions. As described above, in FIG. 3, the operator of the inter-individual loan intermediary system 10 functions as a financial institution that provides a loan to a borrower (borrower) and issues securities to the lender (lender). The securities issuer shows a transaction image when the financial product trader is different from the financial institution. 4 to 7 are flowcharts according to the transaction order.

(Member registration)
First, based on FIG. 4, the process in which a borrower who wishes to lend using the interpersonal loan brokerage system 10 registers as a member will be described. When a loan applicant (borrower) accesses the matching site provided by the interpersonal loan brokerage system 10 from the borrower terminal 50 (S101) and selects a menu for member registration, the loaner intermediary system 10 is set. The member registration means 21, which is a computer program, is activated and member registration is started (S102). First, the member registration means 21 transmits contents relating to the handling of personal information and the like, and obtains the consent of the borrower (S103). If the borrower does not agree, membership registration is not performed (S104).

  Next, the borrower inputs examination items necessary for financing, such as name, age, occupation, annual income, family composition, borrowing amount of other companies (S105). In addition, a document confirming the contents input in S105, such as an identification document such as a copy of a driver's license or an income certificate, is read as electronic data by a scanner or the like and transmitted (S106). Upon receiving these pieces of information (S107), the member registration means 21 examines whether or not member registration is possible for this borrower (S108). For example, the content of the examination is, for example, inquiring of a credit research institution whether or not the content of the data transmitted in S105 and S106 is correct, that is, whether or not it is a real person, whether the borrowing amount of other companies is correct, etc. Check. As a result of the examination in S108, if it is determined that membership registration is possible (“YES” in S109), the member ID for the borrower is issued and the information is transmitted to the borrower terminal 50 (S110). Further, the borrower information is newly registered in the member DB 30 (S111). If it is determined “NO” in S109, the fact that membership registration is not possible is transmitted to the borrower terminal 50 (S112).

  In addition, since the intermediary loan intermediation method of this embodiment is a form implemented in a social networking service (SNS), member registration is also performed for a lender. For example, membership registration is performed to such an extent that identity verification is carried out without conducting a thorough examination.

(When it is judged that the loan relationship between individuals is established)
Next, the case where the above-mentioned borrower desires financing will be described. First, as shown in FIG. 5, a borrower who has already registered as a member accesses a site (matching site) provided by the interpersonal loan brokerage system 10 of the present embodiment from the borrower terminal 50 (S201). The member ID and password are input on the login screen (S202). The inter-individual loan intermediary system 10 compares the received member ID and password with the registered contents of each member in the member DB 30 to identify the member (S203), and when specified, permits login to the matching site. (S204).

  The borrower transmits desired loan condition information such as the amount desired for the loan, the interest rate, the repayment period, the reason why the loan is required, the annual income, the monthly income, the borrowing amount of the other company from the borrower terminal 50, and the desired loan condition information receiving means 11 This information is received (S205). It is also possible to save labor for items that have been declared at the time of membership registration, such as borrowing amounts of other companies, and that have not changed in content.

  When the desired loan condition information receiving means 11 receives the desired loan condition information, the desired loan condition information providing means 12 releases the information. The desired loan condition information providing means 12 The contents are preliminarily examined (S206). For example, first, it is determined whether or not the desired loan condition information received by the desired loan condition information receiving unit 11 matches the item common to the information registered in the member DB 30. Also, access the credit bureau's computer and compare it with information held by the credit bureau, such as the borrowing amount of other companies. As a result, if it is determined that there is a discrepancy between the desired loan condition information and the information registered in the member DB 30 or the credit research institution information (in the case of “YES” in S207), the desired loan condition information. Is sent to the borrower terminal 50 (S208). When the borrower responds to the correction of the desired loan condition information (“YES” in S209), the corrected desired loan condition information is transmitted, and the corrected information is received in S205 and the above preliminary examination is performed. The process is performed again. If the borrower does not respond to the modification of the desired loan condition information (in the case of “NO” in S209), the member DB 30 is updated and the process ends (S210).

  On the other hand, when it is determined that the desired loan condition information matches the information registered in the member DB 30 or the information of the credit research organization (in the case of “NO” in S207), the desired loan condition information providing means 12 The borrower's desired loan condition information is posted on the matching site (S211), and acceptance of the lender's bid is started (S212).

  When the lender starts accepting bids, the lender views the borrower's desired loan condition information through the lender terminal 60 and determines whether or not to lend. If it is decided to make a loan, bid lending condition information is transmitted from the lender terminal 60. The bid loan condition information is received by the bid loan condition information receiving means 13 (S213), and when a predetermined period elapses from the bid reception, the bid reception ends (S214).

  Next, the condition comparison unit 14 sums the bid amounts of the bid loan condition information received by the bid loan condition information reception unit 13 (S215), and whether the total bid amount is equal to or greater than the desired amount of the desired loan condition information. It is determined whether or not (S216). If it is determined that the amount is more than the desired amount (in the case of “YES” in S216), the borrower terminal 50 who requested the loan and the lender terminal 60 of the tendered lender have established a personal loan relationship between them. Information to that effect is transmitted (S217). If more than one lender participates in the bidding and the total bid amount exceeds the desired amount in the desired loan terms information, the terms that are advantageous to the borrower (for example, in the order of low interest rates, long repayment periods) Prioritize bidding in order, etc., and determine the lender who won the bid.

  If it is determined in S216 that the total bid price is less than the desired price, the total bid price is transmitted to the borrower terminal 50 (S218), and the borrower desires financing within the total bid price range. Is inquired (S219). If a loan within the total bid amount is desired (in the case of “YES” in S219), the condition comparison unit 14 determines again that the inter-individual loan relationship has been established, and proceeds to S217. When the loan within the total range of the bid amount is not desired (in the case of “NO” in S219), the credit determination unit 16 operates, but the case where the credit determination unit 16 operates will be described later, and the inter-individual loan The case where it is determined that the relationship is established will be described first.

  When it is determined that the inter-individual financing relationship is established as described above (“YES” in S216 or “YES” in S219), a loan contract is concluded from the inter-individual intermediary system 10 to the borrower terminal 50. This is notified (S220), and the loan is executed to the borrower through the financial institution that provides the loan (S221). Next, the first securitized receivable instruction means 15 notifies the borrower terminal 50 that the loan receivable held by the financial institution is to be transferred to the securities issuing institution and updates the member DB 30 (S222, S223). An instruction to securitize the loan receivable transferred from the financial institution is notified to the computer of the issuing institution, and the securities issuing institution that received the notification securitizes the transferred receivable (S224). Then, the lender notified as the successful bidder in S217 is notified of the sale of the securities, and the securities are delivered by paper media or electronic data (S238 in FIG. 7). When the lender receives the securities, the lender pays the amount the lender wanted to lend as a securities purchase price, receives the information in the inter-individual loan brokerage system 10 (S239), and updates the contents of the bond management DB 31 (S240). .

  The specific transaction content will be described with reference to FIG. Here, it is assumed that an inter-individual financing relationship is established between the follower A and the renderers A, B, and C. When the inter-individual loan relationship is established, the receivable management DB 31 of the inter-internal loan intermediary system 10 classifies and manages this receivable as, for example, a “P2P matching” receivable. Then, a money consumption loan contract is concluded between the money lender and the follower A, and the money lender lends the desired amount to the follower A based on the contract. Next, the money lender's credit to Borrower A is transferred to a securities sales company, and the money lender receives the price of the transferred credit. A securities sales company sells securities α obtained by securitizing “P2P matching” receivables to lenders A, B, and C. Renders A, B, and C receive a predetermined payout according to the bidding conditions established with the follower A. On the other hand, according to the bidding conditions established with the renderers A, B, and C, the follower A repays the debt to the securities sales company during a predetermined repayment period while paying a predetermined interest. Assuming that the fees of money lenders and securities sales companies are not taken into account, the result is that Borrower A and Renders A, B, and C can receive loans and yields according to the bid conditions established on the matching site. Specifically, the follower A and the renderers A, B, and C can enjoy substantially the same benefits as when direct interpersonal financing is performed between them.

(If it is not determined that the personal loan relationship is established)
On the other hand, when the loan within the total amount of the bid amount is not desired (in the case of “NO” in S219 in FIG. 6), the credit determination means 16 operates and performs the credit determination based on the criteria of the financial institution ( The result is output (S226). The credit determination means 16 further transmits an inquiry as to whether or not to receive a loan according to the credit determination result to the borrower (S227), and receives information indicating that the loan is not desired under the conditions (S228). The member DB 30 is updated (S229), and the process ends. When accepting a loan according to the credit determination result (in the case of “YES” in S227), the inter-individual loan brokerage system 10 is notified to the borrower terminal 50 that a loan contract is concluded (S230), and a loan is made. A loan is executed within the range of the borrower's credit judgment result through the financial institution (S231). Next, the second securitized receivable instruction means 17 notifies the borrower terminal 50 that the loan receivable held by the financial institution is to be transferred to the securities issuing institution and updates the member DB 30 (S232, S233). An instruction to securitize the loan receivable transferred from the financial institution is notified to the computer of the issuing institution, and the securities issuing institution that has received the notification securitizes the transferred receivable (S234).

  However, when securitizing in accordance with the instruction of the second securitized receivable instruction means 17, first, the risk degree determination means 171 evaluates the risk degree that the loan receivable will be credited (S234-a), and according to the risk degree The loan receivables are grouped (S234-b), and the yield determining means 172 determines the yield for each group and records it in the receivable management DB 31 (S234-c). Then, securities are issued from the securities issuer for each group (S234-d).

  The securities information of each securities issued through the above steps is posted on the matching site together with the issue amount and yield by the securities information presenting means 18 (S235). The purchase information (lender) browses the securities information posted on the matching site, transmits each purchase request information to the inter-individual loan brokerage system 10, and receives this information by the securities purchase request information receiving means 19. Next, the purchase applicant determination unit 20 determines whether or not there is a purchase applicant received by the securities purchase request information reception unit 19 (S236). If there is a purchase applicant, the securities can be purchased (successful bid). The successful bidder is notified of this (S237). Then, the securities purchase applicant notified as the successful bidder is notified of the sale of the securities, and the securities are delivered by paper media or electronic data (S238). When the securities purchase applicant receives the securities, he / she pays the securities purchase price when making a successful bid, and receives the information in the inter-individual loan brokerage system 10 (S239). As a result, the securities sales situation fluctuates, so the credit management DB 31 is updated (S240) and the process ends.

  The steps after the financing based on the credit determination result will be described with reference to FIG. In FIG. 3, it is assumed that the follower B and the follower C have not reached the establishment of the inter-individual financing relationship with the renderer. Further, credit judgment is performed for the follower B and the follower C, and the follower B receives a loan of an amount according to the credit judgment result. In this case, for example, the risk degree determination unit 171 determines that the credit to the follower B is “risk (medium)”, determines that the credit to the follower C is “risk (high)”, and registers it in the claim management DB 31. . Yield determining means 172 provides 3% yield for receivables belonging to risk (low) registered in receivable management DB 31; 5% yield for receivables belonging to risk (medium); and 7% yield for receivables belonging to risk (high). Thus, the yield is determined for each group. Then, a money consumption loan contract is concluded between the money lender and the follower B, and between the money lender and the follower C, and the amount according to the credit determination result is financed.

  Next, each receivable for the money lender Borrower B and Borrower C is transferred to a securities sales company, and the money lender receives the price of the transferred receivable. On the other hand, the securities information presenting means 18 of the inter-individual loan brokerage system 10 publishes on the matching site each securities information of securities X with a yield of 3%, securities Y with a yield of 5%, and securities Z with a yield of 7%. Purchasers (lenders) browse each securities information published on the matching site. Accordingly, for example, suppose that renderers D and E desire to purchase securities Y with a yield of 5%, and renderers F and G desire to purchase securities Z with a yield of 7%. When the purchase applicant is determined, the securities sales company sells the securities Y with a yield of 5% to the renders D and E, and sells the securities Z with a yield of 7% to the renders F and G. Thereby, each of the renders D and E and the renders F and G can receive a predetermined dividend in accordance with the sales conditions of each publicly disclosed security. In addition, although the followers B and C are within the range of the credit judgment result even though the inter-individual financing relationship has not been established with the renders D, E, F, and G, the renderers D, It can be grasped that the loan corresponding to the securities purchase of E, F, G is received. Therefore, Borrowers B, C and Renders D, E, F, G have almost the same benefits as when the inter-individual financing relationship is established, that is, both borrowers and lenders are more than simply receiving loans from financial institutions. You can enjoy trading under favorable conditions.

FIG. 1 is a diagram for explaining a schematic configuration of an interpersonal loan brokerage system according to an embodiment of the present invention. FIG. 2 is a diagram for explaining an example of both exchanges when the borrower terminal and the lender terminal access the inter-individual loan brokerage system. FIG. 3 is a diagram for explaining an example of exchange in the case where money is loaned and securities are sold through the inter-individual loan brokerage system. FIG. 4 is a diagram for explaining the member registration process. FIG. 5 is a diagram for explaining the steps of the inter-individual loan brokerage method. FIG. 6 is a diagram for explaining the process of the inter-individual loan brokerage method, and shows the process subsequent to FIG. FIG. 7 is a diagram for explaining the steps of the inter-individual loan brokerage method, and shows the steps subsequent to FIG.

DESCRIPTION OF SYMBOLS 10 Interpersonal loan intermediation system 11 Desired loan condition information receiving means 12 Desired loan condition information providing means 13 Bid loan condition information receiving means 14 Condition comparing means 15 First securitized loan instruction means 16 Credit judging means 17 Second securitization Receiving instruction means 171 Risk degree judging means 172 Yield determining means 18 Securities information presenting means 19 Securities purchase wish information receiving means 20 Purchase applicant judging means 21 Member registration means 30 Member DB
31 Debt Management DB
50 Borrower terminal 60 Lender terminal

Claims (9)

Desired loan terms information receiving means for receiving desired loan terms information desired by the borrower;
A desired loan condition information providing means for providing the desired loan condition information to a lender;
Bid loan condition information receiving means for receiving, as bid loan condition information, loan conditions when a lender who has browsed the desired loan condition information loans to the borrower;
The desired loan condition information is compared with at least one bid loan condition information corresponding to the desired loan condition information, and the total bid amount presented by the at least one bid loan condition information is the desired loan condition. A condition comparison means for determining whether or not the amount of money is greater than the desired amount in the information;
When it is determined by the condition comparison means that the total bid amount is equal to or greater than the desired amount, and it is determined that the personal loan relationship between the borrower and the lender is established, the receivable corresponding to the desired amount is securitized and bid An inter-individual loan brokerage system comprising: first securitized bond instruction means for instructing securitization of the bond to sell the securities to the lender. Further, when the condition comparison means determines that the total bid amount is less than the desired amount and the inter-individual loan relationship between the borrower and the lender has not been established and the loan of the financial institution is used, the determination of the financial institution Credit judging means for making a credit judgment of the borrower based on a criterion;
A second securitized bond instruction means for instructing securitization of the loan receivable of the financial institution when the borrower accepts a loan under a loan condition according to a credit determination result by the credit determination means;
Securities information presenting means for presenting securities information including at least the issue amount and yield of the securities issued based on the second securitized bond instruction means;
2. An inter-individual loan brokerage system according to claim 1, further comprising securities purchase request information receiving means for receiving purchase request information of a securities purchase applicant who has browsed the securities information presented by the securities information presenting means. . The second securitized bond instruction means includes a risk degree judging means for judging a risk degree of the loan receivable to be securitized,
3. The inter-individual system according to claim 2, further comprising yield determining means for grouping the loan claims for each risk degree determined by the risk degree determining means and determining the yield of securities for each group. Loan brokerage system. Receive the desired loan terms information desired by the borrower and provide it to the lender.
The lender who has browsed the desired loan condition information receives the loan condition when lending to the borrower as bid loan condition information,
The desired loan condition information is compared with at least one bid loan condition information corresponding to the desired loan condition information, and the total bid amount presented by the at least one bid loan condition information is the desired loan condition. Determine whether the amount of money is greater than the desired amount in the information,
When it is determined that the total of the bid amount is equal to or greater than the desired amount and it is determined that an inter-individual loan between the borrower and the lender is established, the receivable corresponding to the desired amount is securitized and the securities are bid to the lender An interpersonal loan brokerage method characterized by selling. In addition, since the total of the bid amount presented by the at least one bid loan condition information is determined to be less than the desired amount, the loan between the borrower and the lender is not in an established state, and the loan of the financial institution is When using, based on the criteria of the financial institution, make a credit decision of the borrower,
When the borrower accepts borrowing under a loan condition according to the credit judgment result, the loan institution of the financial institution is securitized, and presents securities information including at least the issue amount and the yield of the issued securities,
5. The inter-individual loan intermediation method according to claim 4, wherein purchase information of a purchaser who has viewed the displayed securities information is received, and the securities are sold to the purchaser.   Determining the risk level of the loan receivable, grouping the loan receivables according to the determined risk level, determining the yield of securities for each group, and selling the securities to those who wish to purchase securities The inter-individual loan intermediation method according to claim 5, wherein A computer program installed in an interpersonal loan intermediary system composed of computers that mediate interpersonal loans between borrowers and lenders,
Desired loan terms information receiving means for receiving desired loan terms information desired by the borrower;
A desired loan condition information providing means for providing the desired loan condition information to a lender;
Bid loan condition information receiving means for receiving, as bid loan condition information, loan conditions when a lender who has browsed the desired loan condition information loans to the borrower;
The desired loan condition information is compared with at least one bid loan condition information corresponding to the desired loan condition information, and the total bid amount presented by the at least one bid loan condition information is the desired loan condition. A condition comparison means for determining whether or not the amount of money is greater than the desired amount in the information;
When it is determined by the condition comparison means that the total bid amount is equal to or greater than the desired amount, and it is determined that the personal loan relationship between the borrower and the lender is established, the receivable corresponding to the desired amount is securitized and bid A computer program comprising: a first securitized receivable instruction means for instructing securitization of the receivable in order to sell the securities to the lender. Further, when the condition comparison means determines that the total bid amount is less than the desired amount and the inter-individual loan relationship between the borrower and the lender has not been established and the loan of the financial institution is used, the determination of the financial institution Credit judging means for making a credit judgment of the borrower based on a criterion;
A second securitized bond instruction means for instructing securitization of the loan receivable of the financial institution when the borrower accepts a loan under a loan condition according to a credit determination result by the credit determination means;
Securities information presenting means for presenting securities information including at least the issue amount and yield of the securities issued based on the second securitized bond instruction means;
8. The computer program according to claim 7, further comprising: securities purchase request information receiving means for receiving purchase request information of a securities purchase applicant who has browsed the securities information presented by the securities information presenting means. The second securitized bond instruction means includes a risk degree judging means for judging a risk degree of the loan receivable to be securitized,
9. The computer program according to claim 8, further comprising: yield determination means for grouping the loan receivables for each risk degree determined by the risk degree determination means and determining the yield of securities for each group. .

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